Contract

XXXXXXX XXXXXX RW’UBUCURUZI, RURI I KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, NONE KUWA 24/06/2016, RUKIJIJE MU RUHAME URUBANZA RCOMA 00212/2016/CHC/HCC MU BURYO BUKURIKIRA :

……………………………………………………………………………………………………………………………………

MUNGANYINKA Xxxx Xxxxx, ahagarariwe na Me UWIZEYIMANA Xxxx Xxxx: UWAJURIYE

Na

KENYA COMMERCIAL Bank (KCB) RWANDA Ltd, ihagarariwe na Me BUZAYIRE Angel: UREGWA

IKIREGERWA:

Xxxxxxxxxxxxx ingingo nshya urubanza RCOMA 0018/16/HCC rwaciwe n’Urukiko Rukuru rw’Ubucuruzi kuwa 31/03/2016;

Kwemeza ko KCB Ltd igomba gutanga inyungu z’amezi 7 xxx xxxx amezi 3 gusa Indishyi zinyuranye.

I. IMITERERE Y’URUBANZA

1. Inkomoko y’urubanza rwabaye hagati ya MUNGAYINKA Xxxx Xxxxx na KCB Ltd ikorera mu Rwanda ni ikurwa kuri konti ye N°0000000000 kuwa 08/07/2015 ry’amafaranga 30.500.000 Frw mu buryo atazi kandi atamenyeshejwe. Kuri MUNGAYINKA Xxxx Xxxxx akabibona kuwa 21/07/2015 agiye kubikuza nk’uko bisanzwe kugirango abashe gukora ibikorwa bye by’ubwubatsi bw’inzu ye.

2. MUNGAYINKA Xxxx Xxxxx xxxxx xxx ku ncuro nyinci yareretse ubuyobozi bukuru bwa KCB ko ibyabaye kugirango bishoboke xxx xxx bamwe mu bakozi ba KCB baba babifitemo uruhare, bityo akaba ngo yaragombaga gusubizwa amafaranga ye vuba kuko hari ibyangirikaga mu xxxx xx.

3. Akaba nta cyakozwe kugeza ubwo ajya kuguza mu yindi Banque ndetse biza kugeza ubwo yitabaza inkiko, imikirize y’urubanza mu rwego rw’ubujurire hakaba harabayeho ko hari ibimenyetso bidashidikanwaho urukiko rutabonye rugafata umwanzuro rubyirengagije, icyo urukiko rutabonye akaba xxx xxx mu gika cya 25,

bavuga ko contrat de prêt na Mortgage agreement yatanzwe ari ikimenyetso kitagaragaza amatatiki y’igihe inguzanyo yatangiwe nk’uko bigaragazwa neza xx Xxxx 25 mu bimenyetso byahereye mu rukiko rw’ubucuruzi rwa Nyarugenge.

4. Ingingo nshya ikaba igizwe n’amasezerano y’iguriza (contrat de prêt) na Mortgage Agreement iyi xxxxx xxx amasezerano y’inguzanyo MUNGAYINKA Xxxx Xxxxx yagiranye na COGEBANQUE Ltd tariki ya 27/08/2015 (Cote 24,25,26) ndetse akaba yaranyuze no kwa notaire, itariki ikaba iboneka neza bikaba bigaragara mu buryo ndashidikanwaho ko yafashwe nyuma y’xxx MUNGAYINKA Xxxx Xxxxx yibiwe amafaranga muri KCB.

5. Mu rwego rw’amategeko ikirego cyo gusubirishamo ingingo nshya urubanza RCOMA 0484/13/HCC gishingiye ku ngingo ya 186 al.3 y’itegko N° 21/202 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’izubutegetsi igira iti ‘’urubanza rushobora gusubirishwamo ingingo nshya kubera imwe muri izi mpamvu: 3° iyo kuva xxx urubanza rwaciriwe habonetse ibimenyetso bya kamarampaka bigaragaza akarengane katewe n’urubanza rusabirwa gusubirishwamo icyo kimenyetso cyaba kiri mu nyandiko zatanzwe mu rubanza ariko urukiko ntirukibone cyangwa cyaragaragajwe nyuma’’.

6. Ikindi xxxxx xxxx mu xxxx xx 23 urukiko ubwarwo rwemeza ko ibyakozwe byose amafaranga akava kuri compte ya MUNGAYINKA Xxxx Xxxxx xxx ikosa rikabije ku ruhande rwa KCB, bikaba bitumvikana uburyo nta ndishyi zagenwe kuko byagize ingaruka zikomeye kuri MUNGAYINKA Xxxx Xxxxx

7. Ikindi kidasobanuka ni uburyo hirengagijwe kugena igihembo cy’avoka kandi kuva ikibazo gitangira haba gukurikirana muri Police, guhagararirwa ku rwego rwa mbere n’urw’ubujurire ntihagenwe igihembo cy’avoka kandi we ibyo byose yarabitanzeho amafaranga, bityo akaba ngo akwiye kurenganurwa agasubizwa amafaranga

2.000.000 ndetse hakagenwa indishyi zingana n’amafaranga 2.000.000.

8. Mu kugira icyo ivuga ku bujurire, KCB Ltd ivuga ko Munganyinka Adissa yareze KCB Ltd urubanza rushingiye ku masezerano yu kubitsa "contrat de depot" kubera ubujura bwakorewe kuri compte ye. Urukiko rw'ubucuruzi rwafashe icyemezo maze KCB Ltd ntiyishimiye imikirize irujurirra mu Rukiko Rukuru rw’Ubucuruzi maze narwo rwemeza ko ubujurire bwa KCB Ltd bufite ishingiro ku birebana n’inyungu. Mugihe KCB Ltd yaritegereje ko MUNGANYINKA Adissa aza kurangiza urubanza ikaba ngo

yaratangajwe no kubona ahubwo asaba gusubirishamo ingingo nshya urubanza rwaciwe .

9. KCB ikaba ngo isanga impamvu ashingiraho gusubirishamo urubanza ingingo nshya nta shingiro ifite kuko ngo n’ubwo avuga ko urukiko rwamurenganyije mu kumubarira indishyi kuko rutitegereje neza ikimenyetso cya " contrat de pret" yabaye hagati ya MUNGANYINKA Adissa na GOGEBANQUE, kuvuga ko icyo kimenyetso ari simusiga akaba ngo ataribyo kuko agace ka 25 k’urubanza rusubirishwamo ingingo nshya urukiko rwashingiyeho rumwima inyungu ikubiyemo impamvu nyinshi zitari gusa ayo masezerano.

10. Ikomeza ivuga ko kandi ibisobanuro bindi bikubiye muri ako gace MUNGANYINKA Adissa atabivuguruje ku buryo byamuha ububasha bwo gusaba ko urubanza rusubirwamo ingingo nshya.

11. Kubijyanye nuko nta mafaranga ya avocaka ndetse n’ikurikiranarubanza yahawe nabyo urukiko ngo rwagaragaje impamvu bitatanzwe kuko yerekanye ko KCB Ltd itashoye MUNGANYINKA Adissa mu manza kuko ibyo yajuririye haribifite ishingiro.

12. Muri uru rubanza hakaba hagomba gusuzumwa inzitizi yo kutakira ikirego no gusuzuma ishingiro ry’isubirishamo urubanza ingingo nshya, gusuzuma inyungu n’indishyi zisabwa na MUNGANYINKA Xxxx Xxxxxx no gusuzuma indishyi zisabwa na KCB RWANDA Ltd.

II. ISESENGURA RY’IBIBAZO

A. Inzitizi yo kutakira ikirego no gusuzuma ishingiro ry’isubirishamo urubanza ingingo nshya

13. Me BUZAYIRE Angel avuga ko mu gusubirishamo ingingo nshya bashingiye ku ngingo ya 186, 3o CPCCSA bavuga ko amasezerano y’iguriza bari baratanze mu rwego rwa mbere n’urw’ubujurire ari ikimenyetso simusiga cyatuma urukiko rwemera isubirishamo urubanza ingingo nshya ryakozwe atari byo, bityo akaba ngo basaba urukiko ko xxx bashingira akarengane kabo basaba isubirishamo ari mu gace ka 25 k’urubanza basabiye isubirishamo.

14. Akomeza avuga ko hazarebwa mu busesenguzi bwatanzwe n’urukiko uri iki gika niba rwarashingiye ku masezerano y’inguzanyo gusa, ko ahubwo havugwamo ibintu 3,

aribyo sosiyete y’ubucuruzi itandukanye na MUNGANYIKA Xxxx Xxxxx umuyobozi wayo ku xxxx xxx ndetse runerakana ko atari umunyamigabane wayo, runasoza ruvuga ku masezerano. Kugira babashe gusubirishamo urubanza ingingo shya bakabaye bashakira akarengane kabo mu bikubiye muri icyo gika cyose, bakaba batagomba gufata agace kamwe mu bigize iki gika.

15. Me UWIZEYIMANA Xxxx Xxxx asobanura ko atemeranya na mugenzi we kubyo avuze kuko ibyo avuga xxx xxxxxxxxxx, ntagaragaza ibyaba bisabwa kugira umuntu asubirishemo ingingo nshya. Akomeza avuga ko agace ka 3 k’ingingo ya 186 CPCCSA kavuga akarengane gakabije. Ku birebana n’igika cya 25 cy’urubanza, ibyo kuba MUNGANYINKA atari umunyamigabane wa sosiyete ivugwa, urukiko rubanza mu kugena indishyi ntirwashingiye kukuba ari umunyamigabane wa sosiyete n’ubwo ariko biri.

16. Avuga na none ko urubanza basabira gusubirishamo xxx xxx mu gufata icyemezo Urukiko Rukuru rw’Ubucuruzi rwavugaga ko mu gihe cyo kugira icyo rugenera MUNGANYINKA Xxxx Xxxxx ku mafaranga ye yakuwe kuri konti ye yo muri KCB, amafaranga Urukiko rw’ubujurire rwagennye rwarirengagije ikimenyetso cy’amasezerano y’inguzanyo yo muri COGEBANQUE Ltd xxxx xxxx xxxx ya 24,25 na 26. Asoza avuga ko itariki amasezerano yakoreweho xxxxx xxx kuwa 27/08/2015 kandi amafaranga yarakuwe kuri konti ye kuwa 08/07/2015.

17. Me BUZAYIRE Angel asobanura ko gusubirishamo urubanza ingingo nshya nta shingiro byahabwa kuko indishyi yazihawe zibazwe kuri 18% nk’uko bigaragara mu gika cya 32 cy’urubanza. Akomeza avuga ko amasezerano ari kugaragazwa nk’ikimenyetso simusiga bigaragara ko yafashe umwenda w’amafaranga 150,000,000 mu gihe amafaranga ye yabikujye binyuranye n’amategeko ari 30,500,000, hakibazwa xxx ibi byaba bihurira. Bikaba bitagomba guhuzwa kuko byari kumvikana mu gihe yaba yarafashe angana n’ayakuwe kuri konti ye. Ikindi kubara inyungu z’amafaranga 150,000,000 n’iz’amafaranga 30,500,000 bikaba bihabanye.

18. Asoza avuga ko kuvuga ko batanze inyungu z’umurengera muri COGEBANQUE Ltd bikaba bitahabwa ishingiro kuko hagomba kugaragazwa imibare bagendeyeho bazibara.

19. Me UWIZEYIMANA Xxxx Xxxx avuga ko haherewe ku ndishyi zabazwe mu gika cya 32 cy’urubanza, izabazwe ni ku mezi 3 xxxxx xxx mafaranga yarakuweho mu kwezi kwa

7. Inyungu zagomba kubarirwa ku mezi 7 habariwe kuri 30,500,000. Aha hakaba

hagomba gusuzumwa niba inyungu zatangwa haherewe igihe yaburiye amafaranga cyangwa igihe hatangiwe integuza.

20. Ikindi akaba xxx xxx ukuba urukiko rwaratanze igihembo cya avoka cy’amafaranga 600,000, hakabaye kuri buri rwego hatangwa igihembo cya avoka.

21. Me BUZAYIRE Angel avuga ko mu kubara inyungu z’amezi 3 nta makossa urukiko rwakozwe kuko MUNGANYINKA Xxxx Xxxxx na KCB ikibazo kikimara kuba bafatanyije kuregera ikirego muri polisi, nyuma yaho nibwo avoka we yatanze integuza. Bivuga ko igihe integuza yatangiwe aricyo cyaherwaho mu kubara inyungu.

22. Ku kibazo cy’uko avoka atahawe igihembo ku rwego rw’ubujurire, xxx xxx ubujurire bwa KCB bwari bufite ishingiro ariyo mpamvu hatatanzwe igihembo cya avoka ku rwego rw’ubujurire.

23. Me UWIZEYIMANA Xxxx Xxxx avuga ko mu gutanga inyungu xxx xxx impande zombi zari zigikurikirana ikibazo muri polisi ataribyo kuko urukiko rwemeje ko KCB yakoze amakosa akomeye.

UKO URUKIKO RUBIBONA

24. Ingingo ya 186, 3° y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ‘’Urubanza rushobora gusubirishwamo ingingo nshya kubera imwe muri izi impamvu: … 3° kuva xxx urubanza ruciriwe habonetse ibimenyetso bya kamarampaka bigaragaza neza akarengane katewe n’urubanza rusabirwa gusubirwamo; icyo kimenyetso cyaba kiri mu nyandiko zatanzwe mu rubanza xxxxx xxxxxxx xxxxxxxxxxx cyangwa cyaragaragajwe nyuma ’’

25. Urukiko rusanga mu gusubirishamo urubanza ingingo nshya MUNGAYINKA Xxxx Xxxxx ashingira ku ngingo ya 186, 3° y’itegeko N° 21/2012 ryo kuwa 14/06/2012 rimaze kuvugwa haruguru.

26. Urukiko rusanga impamvu itangwa na Me UWIZEYIMANA Xxxx Xxxx xx xxxxxxxxxxxxx urubanza ingingo nshya ashingira ku kuba ngo mu gika cya 25 cy’urubanza RCOMA 0018/16/HCC urukiko rwavuze ko contrat de pret na mortgage agreement yatanzwe nk’ikimenyetso itagaragaza atariki y’igihe inguzanyo yatangiwe kandi nyamara ngo yaratanzwe kuwa 27/08/2015 xxxxxx xxxxxxxxxx ko inguzanyo yatanzwe nyuma yo kwibwa, bitahabwa ishingiro kuko n’ubwo ashingira kuri iyi

ngingo y’itariki yahereweho inguzanyo muri COGEBANQUE, umucamanza akaba yarasobanuye mu buryo burambuye impamvu zinyuranye zatumye MUNGAYINKA Xxxx Xxxxx adahabwa inyungu ku nguzanyo yahawe na COGEBANQUE Ltd. Umucamanza kaba yaragaragaje izo nyungu atazihabwa kubera ko icyemezo cya Rwanda Development Board yagaragaje mu kwerekana ko ari umucuruzi kigaragaza ko ari umuyobozi wa sosiyete cya sosiyete YIMA REAL ESTATE ko kandi sosiyete iba itandukanye n’abayigize, ko kandi nta n’ikigaragaza ko ari umunyamigabane wayo, nk’uko bigaragara mu bisobanuro yatanze mu gika cya 25 cy’urubanza rwavuzwe.

27. Urukiko rusanga kuba usubirishamo urubanza atarishimiye ibijyanye n’itariki inguzanyo yatangiweho byonyine bitaba impamvu yo gusubirishamo urubanza ingingo nshya kuko nk’uko biteganywa n’ingingo ya 186, 3° y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru kugira urubanza rusubirishwemo ingingo nshya xxx xxx haba hari ikimenyetso cya kamarampaka cyabonetse nyuma y’uko urubanza rucibwa kandi icyo kimenyetso kikaba kigaragaza akarengane katewe n’urubanza rusubirishwamo, kuba rero iki kimenyetso cyaragaragajwe mu rubanza kikanagirwaho impaka, niba MUNGAYINKA Xxxx Xxxxx atarishimiye icyemezo cyafashwe n’umucamanza kuri iyi ngingo yakabaye yarakijuririye xxx gusubirishamo urubanza ingingo nshya, bityo iki kirego kikaba kitakiriwe.

B. Ku birebana no gusuzuma inyungu n’indishyi zisabwa na MUNGANYINKA Xxxx Xxxxxx

28. Urukiko rusanga rutakwirirwa rusuzuma izi nyungu n’indishyi bisabwa kuko isubirishwamo ry’urubanza ingingo nshya ritakiriwe.

III. ICYEMEZO CY’URUKIKO

29. Rwemeje ko ikirego cya MUNGAYINKA Xxxx Xxxxx gisubirishamo urubanza RCOMA 0018/16/HCC ingingo nshya kitakiriwe.

30. Rutegetse ko urubanza RCOMA 0018/16/HCC rugumyeho.

31. Rutegetse ko amagarama MUNGAYINKA Xxxx Xxxxx asubirishamo urubanza ingingo nshya aherera ku isanduku ya Leta.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA Théoneste MUTAJIRI MUNYAMBANZA AFASHIJWE N’UMWANDITSI X’XXXXXXX

XXXXXXXXXX Xxxx Xxxxxxxxx

UMUCAMANZA UMWANDITSI

Théoneste MUTAJIRI MUNYAMBANZA XXXXXXXXXX Xxxx Xxxxxxxxx

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